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<br /> � TOfiE'CHER WITH all the improvements now or hereafler erected on the property.and all easements,appurte+rtances,and � . .. ` r
<br /> fixtures no�v on c�reafter a part of the property. Ail replacements and addiaons shall a'.o be covered by this Securiry . • �`�
<br /> � Instr�ment. All ot the foregoing is refeme�i tu i�:th+s Security instruis'.�nt�s the"Dn�~1." . _ '-- ="�-.a,-__..".`
<br /> S� _
<br /> QOR[iOWER COVENANTS�that Borrower ic lawfully seise�of the estate hereby com•eyed and has the right to�rant and �
<br /> rnnvey the Propeny and that the Properry is uneacumbet+ad.except for encumbrances of record. Bonower wanar►u and will .., . , . �`-
<br /> defend generally the tide to the Properey against all claims and demarzds.subject to any encumbrances of record• • ��m�T��__`�_-
<br /> 'Ctf1S SECURTfY IIVSTRUMENT rnmbines uniform covenants for national use and non-unifurm covenants with limitad
<br /> __ variations by jurisdiction to constitute a uniform security instmment covering real property. -__ i :i =. '�.
<br /> UNIFaRM COVENANTS.Bomower and Lender covenant and agree as fotto�vs: �''.;�,;:;�� �
<br /> • t. paymenQ of prin�pal aad anterest; prep�yment and Late Charges. Borrower shail prompcly pay when due the .. `_ . _
<br /> n �. . .
<br /> principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the Note. -,`�,�;: ,..,;�, : '���
<br /> " Z. Funds for Taxes and Insurance• Subject to applicable law or to a written waiver by Lender. Borro�ver stiall pay to • . ;b,n 4�-�:'. -;: �i'
<br /> -�:�}:'--- -�i,.;`,;
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<br /> � Leader on the day cnunttily payments are due under the Note.until the No*.e is paid in full,a sum("Fun d s")for:(a)yearly taxes t,.,.ri;--•���'
<br /> . and assessments which may attain priority over this Security[nstrument as a lien on the Proper�y: (b)y�Y��ehold payments a`� •�F._�; � ,
<br /> or ground rents on the Property.if any:(c)Year1Y tia�►cd or property insurance premiwns:td)yearly flood insurance premiccros. =-�-;,
<br /> `�?,:'�-�`'_"ta.,.C•::.—'
<br /> ,. if an y:(e)yearly mortgage insurance prer►►iums. if any;and(�any sums payable by Borrower to Lender. in accordance a+ith ,ry,,, s��.
<br /> .� `-'�:_- `
<br /> _= the prov;siur�s of pa,-agraph 8. in lieu of the payment of mortgage ins u r a n c e p re m i u m s.T h e s e i t e m s a r e r a l l e d "F s c r e w I t e m s." �s_,�"�-=. _
<br /> • Lender may. at any time, eoltect aud tiotd Fur.ds in an amount not to eaceed the ma.e'smu,'n�mount a lender for a federaily =;. �_,��
<br /> related mongage loan may require for Bormwer's eserow account under the federal Real Cs�:S�tlement Procedures Act af =;�_--
<br /> � ! 1974 as amended hom time to tin:e, 1�U.S.C_ Section 2601 et seq. ("RESPA"),unless ano�=s law that applies to ue�.�:_= �-;;,;��';'-_.R�r*' -
<br /> ;..,s.�,=,..y�;.:
<br /> sets a lesser amount. If so. L.ender r�l_ at ans eme, collect and hold Funds in an amount not to exceed the lesser���_'- �:, .,,,4�,,-.--.•
<br /> • , Leuder may est�mate the amount of Fu:sas�.� c�z the basis of wrrent data and reasonable estimates�f e�enditures ef ft:ture �i�r?? . Y'J'- *'^;
<br /> -..:,... :.��1. '�- - � .
<br /> Escro�v teems or othenvise in accordauce v.i��-��ipble law. � _
<br /> The Funds shall be held in �t ist��mu�n whose deposits are insured by a feder.l :�ency. instrumentality. .,•: eauty �_--
<br /> . (including Lender.if I.ender is such an institunonl or in any Federa{Homc Loan Banlc.L.e"-�=;��11 anp'the estrow aecoum tor n. �."^" - �-:
<br /> Escrow Items. Lender may not charge Borrower for holding and applying the Fur�ds.annuatly analYn 8
<br /> ` verifying the Fscrow Items,unless Lender pays Borrower interest on the Funds and applicable law permits Lender to ma[ce such �,i. �}�.
<br /> a charge. However, Lender may require Borrower to pay a one-time charge for an indepea�ent reaS estate tax reporting service . �;.._•T:R, _..,{;,,;-
<br /> •� �*��: used by i.ender in cannection with this loan, unless applicable law provides otherv+ise• Unless an agreement is made or
<br /> applicable law requires interest to i�e paid.L.ender shall not be required to pay Borrower�..,ry interest or earnings on the Funds. �
<br /> Borrower and Lender aay agree in writing,however,that interest shall be paid on tl�e Funds. Lender shall give to 8orrower, •,�� ; =,""
<br /> . without charge, au t�eal accounting of the Fur�ds, showing credits and debits to the Funds and the purpose for which each :.�.;.�`� �;,""`
<br /> debi:ta '?se Funds was made.The Funds are ple+ig2d as additional security for all sums secured by this�ea�rity Instrnmen� .,� .�+;� �;a.z.�.
<br /> • . if tln:Fa:ds held by L.ender ec�ed the amounts permitted to be held by applicable laa��.Lender st�r:`i accouni to Is�.:rrower _`�� ���;
<br /> for tht excess Funds in accordan��wi+h the reqairements of applicable law.If the amauat of the Funds held by Lern:�:at any � ".,•'{; _�
<br /> . �:4�;.:_:,_-.,
<br /> � rime is not sufficient to pay the Es�ow Itemc when due,Lender msty so notify Botrower in writing,atv�i, :n such qse Eorrower ��..
<br /> m
<br /> �'�.:• o
<br /> � shall pay to Lender the amount necessary to make up the deficiency. Sorrower shall make up the��L-iency in no more than _..,:;--4x��.�',
<br /> • � twelve monthly paymenu,at Lende3 s sole discretian. . �%,�':�,�,
<br /> Upon payment in full of aft �cros secured by this Security Instrument. Lender shalI orompdy refund to Borrower any i,;,•,._'.--_---
<br /> r •�>�, • � . ,•,::���
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<br /> Funds hetd by Lender.If,under p�graph 21, Lender shall acquire or sell the Property.11:+x:er,prior to the acquisiuon or sale :,,�':�1, -_,-
<br /> � � of the Properry,shall app3y any Funds held by Lender at the time of acquisition or sale�a credit against the sums secured by __
<br /> • this Security Instrumesu. v�� ."---Y...
<br /> . 3.Applicatfr.s.m a�E�ayments.Unless ap�G��le law provides othenvise,at!N.ym:.nts received by Eander under paragraphs . . Y•,:_.,•
<br /> 1 and 2 shall be a�r�-�:first.ta:,ny prep�3s�t chazges due under the TIote: secand, to amounu paSable under paragraph 2; r ' � j�. -
<br /> third.to interest d�.��Focr.tr,tn�Srs,a�a,^.al dc�: �d last,to any late charges duc under the Flcte. • �... ,
<br /> 4.Charges; Cu�s.3�:i'-'ow•er saall pay ali r�ces.assessments.charges, fines and impositions attributable to ti-w Qroperty ''' ' '"'•t i,,�-1.=.��
<br /> which may attain�.-�a:ry over this Securit} IR:_�n::nent, and leasehold payments or ground rents. if�^.y. Bonower shall pay "
<br /> �``` these obligations in d�manner provided in p.ir�s�*�a,ph 2,or if not paid in that manner.Borrower shsill��y them on time directly -�-"�?"r;�'��
<br />� •�.�,.:
<br />� ' to the person owed payment.Horrower shall presmptly furnish to Lender all notices of amounts to be paid under this paragraph. -. `:'-�_��
<br /> _. .:,(�•;, ' . ' '.",''
<br />, . If Borrower makes these paymen�y�iirectly,Bmrrower shall promptly fumish to l.ender receipu evidencing the payments. , ry �,.�,, • �,:_
<br /> , �lw..�. '-_
<br /> • � Borrower shall promptty disch,i:ge any ti��.which has priority over this Security instrument unless Borrower: (a)agrees in ,,�__
<br /> ' writing to the payment of the obligation secur,ai L-y the lien in a manner aa��table to I.ender;(b)contests in good faith the lien ,;.: • ;�
<br /> by, or defends agaiEist enfotcement of the iie�. in, legal proceedings whs::� in the Lender's opinion operate to prevent the ���'�=}-� '.,i..
<br /> � enforcement of the lien:or(c)�cxa:res from the holder of the lien an agreement satisfactory to Lender subordinating the lien to '�!R;■!!�'�,_�
<br /> � this Security Instrument. If Lend,:r determines that any part of the Property is subject to a lien which may attain priority over , • T .• __
<br /> .'-�,:::,__� ,:..
<br /> this Security Instnttn°�t, Lender may give Borrower a notice identifying the lien.Borrower shall satisfy the lien or take one or _, : . . .�,.—
<br /> �� more of the actions s�a Forth above within 10 days of the giving of notice. -��''��-'���("�""�"�'°'� �~'
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